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Honda Civic VP 4-Dr Sedan Insurance Rates

The average insurance rates for a Honda Civic VP 4-Dr Sedan are $1,314 a year for full coverage insurance. Comprehensive costs approximately $244 a year, collision insurance costs $572, and liability coverage costs around $346. Liability-only coverage costs as low as $410 a year, and high-risk coverage costs around $2,872. Teenage drivers cost the most to insure at up to $4,950 a year.

Annual premium for full coverage: $1,314

Policy rates by individual coverage type:

Comprehensive $244
Collision $572
Liability $346

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Honda Civic Trim Level

For a driver in their 40's, Honda Civic VP 4-Dr Sedan insurance rates range from the low end price of $410 for just the minimum liability insurance to a high of $2,872 for a driver who has had serious violations or accidents.

Liability Only $410
Full Coverage $1,314
High Risk $2,872

Urban vs. Rural Price Range

Where you live has a large influence on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than densely populated cities. The diagram below illustrates how location helps determine auto insurance prices.

Rural Areas $986
Small Cities $1,380
Large Cities $1,774

These price differences illustrate why it is important for drivers to compare prices using their specific location, rather than using average rates.

Use the form below to get rates for your location.

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Insurance prices for a Honda Civic VP 4-Dr Sedan also range considerably based on the model year of your Civic, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,600 to $2,200 additional every year, depending on your age. A high-risk auto insurance policy can be around 44% to 135% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are much higher for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,900 a year. View Rates by Age

Your home state has a huge impact on Honda Civic VP 4-Dr Sedan insurance rates. A driver around age 40 might see prices as low as $1,170 a year in states like , , and North Carolina, or be forced to pay as much as $1,670 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut prices by as much as $550 a year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise prices by up to $312 more each year. View Rates by Deductible or Liability Limit

Because prices have so much variability, the only way to figure out which insurance company is cheapest is to get quotes and see how they stack up. Each insurance company uses a different method to calculate prices, and rates will be varied.

View Chart as Image

Honda Civic VP 4-Dr Sedan insurance cost comparison chart
Column chart showing Honda Civic VP 4-Dr Sedan insurance prices range from $743 to $4,950 for full coverage

The chart estimates Honda Civic VP 4-Dr Sedan insurance prices for various risks and coverage choices. The cheapest price with discounts is $743. Drivers who use higher $1,000 deductibles will pay $1,130. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,314. Choosing low $100 deductibles for physical damage coverage could cost up to $1,680. Drivers with multiple violations and accidents could be charged around $2,872. The cost for full coverage insurance for a teenager can be as high as $4,950.

Honda Civic VP 4-Dr Sedan Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,260-$54-4.1%
Alaska$1,078-$236-18.0%
Arizona$1,318$40.3%
Arkansas$1,330$161.2%
California$1,474$16012.2%
Colorado$1,364$503.8%
Connecticut$1,718$40430.7%
Delaware$1,598$28421.6%
Florida$1,772$45834.9%
Georgia$1,302-$12-0.9%
Hawaii$1,418$1047.9%
Idaho$912-$402-30.6%
Illinois$976-$338-25.7%
Indiana$934-$380-28.9%
Iowa$988-$326-24.8%
Kansas$1,206-$108-8.2%
Kentucky$1,700$38629.4%
Louisiana$2,128$81461.9%
Maine$900-$414-31.5%
Maryland$1,352$382.9%
Massachusetts$1,156-$158-12.0%
Michigan$2,414$1,10083.7%
Minnesota$1,154-$160-12.2%
Mississippi$1,286-$28-2.1%
Missouri$1,120-$194-14.8%
Montana$1,190-$124-9.4%
Nebraska$1,082-$232-17.7%
Nevada$1,696$38229.1%
New Hampshire$1,070-$244-18.6%
New Jersey$1,308-$6-0.5%
New Mexico$1,218-$96-7.3%
New York$1,710$39630.1%
North Carolina$934-$380-28.9%
North Dakota$1,278-$36-2.7%
Ohio$926-$388-29.5%
Oklahoma$1,594$28021.3%
Oregon$1,230-$84-6.4%
Pennsylvania$1,478$16412.5%
Rhode Island$1,594$28021.3%
South Carolina$1,224-$90-6.8%
South Dakota$1,030-$284-21.6%
Tennessee$1,180-$134-10.2%
Texas$1,262-$52-4.0%
Utah$1,162-$152-11.6%
Vermont$934-$380-28.9%
Virginia$944-$370-28.2%
Washington$1,156-$158-12.0%
West Virginia$1,338$241.8%
Wisconsin$1,338$241.8%
Wyoming$1,452$13810.5%

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Honda Civic VP 4-Dr Sedan insurance rates by U.S. city

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Rates by Driver Age

Honda Civic VP 4-Dr Sedan Insurance Rates by Driver Age
Driver AgePremium
16$4,950
20$3,094
30$1,372
40$1,314
50$1,202
60$1,182

Full coverage, $500 deductibles

Rates by Deductible

Honda Civic VP 4-Dr Sedan Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,680
$250$1,508
$500$1,314
$1,000$1,130

Full coverage, driver age 40

Rates by Liability Limit

Honda Civic VP 4-Dr Sedan Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,314
50/100$1,383
100/300$1,470
250/500$1,695
100 CSL$1,418
300 CSL$1,608
500 CSL$1,747

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Civic VP 4-Dr Sedan Insurance Rates for High Risk Drivers
AgePremium
16$7,074
20$4,920
30$2,940
40$2,872
50$2,744
60$2,718

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $190

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$70
Multi-vehicle$70
Homeowner$19
5-yr Accident Free$102
5-yr Claim Free$86
Paid in Full/EFT$63
Advance Quote$68
Online Quote$93
Total Discounts$571
Rate after discounts $743

Discounts are estimated and may not be available from every company or in every state.

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